We offer a true alternative to the vicious cycle of predatory lending. Using cutting edge technology to go beyond people’s credit score. Our proprietary algorithms look at the person's ability to handle a small loan, and how to best structure it so that it doesn't overwhelm them.
Written by the business, not verified by us.
Is OneBlinc legit?
OneBlinc (oneblinc.com) has a 4.2 out of 5 rating on OK.one, based on 200 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 78% of reviews are 4 stars or higher and 13% are 1 star; The business has replied to 87% of negative reviews; 1 of them were added in the last 12 months. Last updated 2026-09-05.
I've made 13 consecutive payments and I'm still not eligible to refinance and I am getting no help or answers why.
Reply from OneBlinc2024-07-23
Hi Tamika,
Thank you for your loyalty over the years; we truly appreciate the on-time payments.
We sincerely apologize for the recent experience and understand your frustration with the changes to the Refinance program.
We're actively working to improve the situation, which is influenced by various economic factors beyond our control.
To better assist you and provide a more detailed response, please contact us at [email protected] or give us a call.
Best regards,
The OneBlinc Team
L
Linda · 6 reviews · Verified · Experienced 2024-07-09 ·
★★★★★
My experience was great because…
My experience was great because everything is self explanatory.
Reply from OneBlinc2024-07-23
Thank you for your feedback, Linda! 🌟
We're thrilled to hear that you find our platform user-friendly! 😊 We appreciate your support💛
If you're following us on instagram.com/oneblinc_usa, you'll see a post thanking you for your input :)
Best,
The OneBlinc Team
T
Tonek Mckoy · 1 review · Experienced 2024-07-04 ·
★★★★★
they were good until they weren’t
they were good until they weren’t. I find it very disappointing that even after a certain amount of ON TIME PAYMENTS ( 22 on time paymenys with $71 balance ) that you are not able to refinance and no one can ever tell you why, or when you will be able to refinance. it sucks that they just change the policy without notice to there customers, but if we were to miss a payment it would be a totally different story.
Reply from OneBlinc2024-07-23
Hi there Tonek,
Thank you for your loyalty over the years; we truly appreciate it.
We sincerely apologize for your recent experience and understand your frustration with the recent changes to the Refinance application rules.
We're actively working to improve the situation, which is influenced by various economic factors beyond our control.
To better assist you and provide a more detailed response, please contact us at [email protected] or give us a call.
We value your feedback and want to help resolve this situation for you.
Best regards,
The OneBlinc Team
C
C mills · 5 reviews · Experienced 2024-06-24 ·
★★★★★
I'm not sure where to begin
I'm not sure where to begin. First thank you for giving me the opportunity to have a loan with your services. I currently have 2 product with OneBlinc. A loan $2000 and a salary advance. I have been ok with both up until now. The salary advance there's no issues with, but my concern the the loan where the balance is $405 and about 20 on time payments made but when asked about the ReFi option I'm shut done immediately. I ask about paying the balance and applying for another loan and to be told I have to wait 30+ days. I have had paid off 4-5 loans successfully. I'm proud of that and I prefer not to seek out other options.
Reply from OneBlinc2024-07-02
Dear C Mills,
Thank you for sharing your experience with OneBlinc. We appreciate your loyalty as a customer and your consistent on-time loan payments. Well done! There is much to be proud of. We are pleased to hear that your experience with us has been positive thus far.
We acknowledge your frustration regarding the refinancing process for your loan. Our refinancing options have changed, and we no longer provide automatic or pre-approved refinancing. While this change may not suit all customers, it is part of our ongoing efforts to uphold responsible lending practices. Once again, you have done an excellent job in maintaining your payments. This change is unrelated to your payment history.
If you'd like to discuss your specific situation further or explore other options that might be available to you, please don't hesitate to contact our customer service team directly. We're here to help and would be happy to review your account in more detail.
Email: [email protected]
Call: 855-449-0078
Once again, thank you for your feedback and your continued trust in OneBlinc.
The OneBlinc Team
Dear Cacedric,
On behalf of the OneBlinc family, THANK YOU for your 5-star review.
We're glad you found our service fast and easy to use! Delivering top-notch technology and quick solutions is our main goal!
Furthermore, we invite you to follow us on social media to stay informed and discover more about us. Pick your preferred platform or follow us on all of them!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
LinkedIn: www.linkedin.com/company/oneblinc1
We are always here for you whenever you need assistance!
Best Regards,
The OneBlinc Team
J
Jarvis · 1 review · Experienced 2024-06-21 ·
★★★★★
I’ve been trying to reach a real person…
I’ve been trying to reach a real person for two months now. I’ve successfully paid my 12 consecutive payments an I’m still not eligible for refinance! Please advise.
Reply from OneBlinc2024-06-21
Dear Jarvis,
Thank you for bringing this to our attention. We're truly sorry to hear about your experience and any inconvenience it has caused. Ensuring our customers can easily reach us and are well-supported is a top priority.
Please email us at [email protected] with your contact information and details of your issue, and we will prioritize your case to get it resolved as soon as possible.
You can also call 855-449-0078 to connect with our team. We're all real :)
Please note that our refinance process is no longer automatic or pre-approved. Each application is reviewed individually to ensure we provide the best possible solutions for our customers. However, we are more than happy to look into your case specifically.
Thank you for your patience and understanding and for being with us.
The OneBlinc Team
V
Veronica Washington · 1 review · Experienced 2024-06-20 ·
★★★★★
I'm trying to get in contact with…
I'm trying to get in contact with someone to ask questions as to why it seems as if my balance isn't moving. I pay $139 twice a month and it seems like the balance is at a stand still and it's very hard to speak to a person instead of a recording.
Reply from OneBlinc2024-06-21
Dear Veronica,
Thank you for your feedback, and we're sorry to hear about your experience. We understand how important it is to see your balance accurately reflected and to speak with a real person.
Please contact us at [email protected] or call us directly at 855-449-0078. Our team is ready to assist you and address any questions or concerns you have regarding your account balance. We appreciate your patience and look forward to resolving this for you promptly.
The OneBlinc Team
Hi Sandra! Thank you for your 5-star review.
We appreciate your positive feedback! We're delighted that you found our team helpful. Providing excellent customer service is our top priority, and we will ensure your comments are shared with the team.
Also, we'd like to invite you to follow us on our social media platforms to stay updated and learn more about us. Choose your favorite platform or follow us on all of them!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
LinkedIn: www.linkedin.com/company/oneblinc1
We are always here for you whenever you need assistance!
Best Regards,
The OneBlinc Team
Dear Andrea,
On behalf of the OneBlinc family, THANK YOU for your 5-star review.
We're glad you found our service helpful and user-friendly! Delivering top-notch technology and quick solutions is our main goal!
Furthermore, we invite you to follow us on social media to stay informed and discover more about us. Pick your preferred platform or follow us on all of them!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
LinkedIn: www.linkedin.com/company/oneblinc1
We are always here for you whenever you need assistance!
Best Regards,
The OneBlinc Team
R
Regina · 3 reviews · Verified · Experienced 2024-06-11 ·
★★★★★
They are professional and they are…
They are professional and they are processing as it comes in and not waiting. The process is great and the payments are great.
Reply from OneBlinc2024-06-14
Dear Regina, we greatly appreciate your glowing 5-star review and fantastic feedback! Your kind words have absolutely lifted our spirits and brought so much joy to our day!
Ensuring that we provide top-notch service and exceed customer expectations is our absolute number one focus, and we will absolutely ensure that your comments are shared with all of our teams.
Also, we'd like to invite you to follow us on our social media platforms to stay updated and learn more about us. Choose your favorite platform or follow us on all of them!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
LinkedIn: www.linkedin.com/company/oneblinc1
We are always here for you whenever you need assistance, Regina!
Best Regards,
The OneBlinc Team
Hello J Lopez,
Thank you so much for your 5-star review! We're thrilled to hear that you found our process seamless. That's our IT team ultimate goal and we'll make sure to pass your feedback along to them!
Also, we'd like to invite you to follow us on our social media platforms to stay updated and learn more about us. Choose your favorite platform or follow us on all of them!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
LinkedIn: www.linkedin.com/company/oneblinc1
We are always here for you whenever you need assistance!
Best Regards,
The OneBlinc Team
Real easy and simple all I had to do was enter my information !
Reply from OneBlinc2024-06-11
Hi there Joshua!
Thank you for the 5-star review! We're delighted that you found our process seamless. That's our ultimate goal at OneBlinc! We're happy to have you on board!
Also, we'd like to invite you to follow us on our social media platforms to stay updated and learn more about us. Choose your favorite platform or follow us on all of them!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
LinkedIn: www.linkedin.com/company/oneblinc1
We are always here for you whenever you need assistance!
Best Regards,
The OneBlinc Team
K
Kelly Morgan · 1 review · Experienced 2024-06-05 ·
★★★★★
Sheila was very knowledgeable and…
Sheila was very knowledgeable and professional
Reply from OneBlinc2024-06-11
Hi Kelly,
Thank you for the 5-star review! We are thrilled that you had the opportunity to interact with Sheila! She's truly a superstar, isn't she? Thank you for your kind words. We are glad to have you as part of our team!
Also, we'd like to invite you to follow us on our social media platforms to stay updated and learn more about us (and about Sheila!) Choose your favorite platform or follow us on all of them!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
LinkedIn: www.linkedin.com/company/oneblinc1
We are always here for you whenever you need assistance!
Best Regards,
The OneBlinc Team
The service was excellent. They answered my questions in a timely fashion and the process was pretty seamless.
Reply from OneBlinc2024-06-11
Hi there Terrick!
Thank you for the 5-star review! We're delighted that you found our process seamless. That's our ultimate goal at OneBlinc! We're happy to have you on board!
Also, we'd like to invite you to follow us on our social media platforms to stay updated and learn more about us. Choose your favorite platform or follow us on all of them!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
LinkedIn: www.linkedin.com/company/oneblinc1
We are always here for you whenever you need assistance!
Best Regards,
The OneBlinc Team
E
Elizabeth Anna · 1 review · Experienced 2024-05-31 ·
★★★★★
OneBlinc is AMAZING!
OneBlinc is fantastic! I enjoy using this service often, and recently Sheila was very helpful with answering a question I had. She is an excellent customer advocate and her support was flawless!! The best!! Highly recommend!
Reply from OneBlinc2024-06-04
Hiiii Elizabeth! How are you today?
We're thrilled to hear you're enjoying OneBlinc! We appreciate you taking the time to leave such a fantastic review, especially highlighting Sheila's outstanding customer service. We'll be sure to pass your kind words along to her – she'll be delighted to know her support made a positive impact!
We'd like to invite you to follow us! If you'd like to stay up-to-date on all things OneBlinc, including helpful tips and mora about Sheila, be sure to follow us on social media!
You can find us on:
Facebook: www.facebook.com/OneBlinc
Twitter: https://x.com/OneBlinc
Instagram: www.instagram.com/oneblinc_usa/
Thanks again for your awesome review! We're so happy to have you as a customer.
Sincerely,
The OneBlinc Team
Well I had called and asked when was I eligible to refinance my loan back in April. I asked can a supervisor call me and tell me, we'll someone sent me a email and told me I would be eligible May 23rd. May 23rd had past and the refinance button wasn't available yet, everytime I checked it still wasn't available. I sent a email to the customer email link and someone name joherm informed me that he would have his supervisor look into it, well he dud and the next day the refinance button was available for me. The process was very quick and smooth. Thank u Joherm so much for getting this taken care of for me.
Reply from OneBlinc2024-06-04
Dear customer, thanks for your detailed review. Although our refinance process is no longer automatic, we're always happy to look each case individually. At OneBlinc, you're more than just a number.
We also appreciate you taking the time to leave such a fantastic review, especially highlighting Joherm's outstanding customer service. We'll be sure to pass your kind words along to her :)))
Also, we invite you to follow us! If you want to stay updated on all things OneBlinc, including helpful tips, make sure to follow us on social media!
You can locate us on:
Facebook: www.facebook.com/OneBlinc
Twitter: https://x.com/OneBlinc
Instagram: www.instagram.com/oneblinc_usa/
Sincerely,
The OneBlinc Team
I’ve had oneblinc for a while and was always able to refinance with them, but now all of a sudden things have changed and they not once notified their customers of any change being made. I have made 15 allotment payments and still can’t refinance and when you try to talk with anyone they all say the same thing, they can no longer view the account to see when you will be eligible to refinance. I don’t know what the problem is but it’s not professional to not keep your customers informed.
Reply from OneBlinc2024-05-31
Hi Phylicia,
Thank you for sharing your experience with us. We're truly sorry to hear about the frustration you've encountered. Our goal is to provide the best service possible, and we apologize for any inconvenience caused by the recent changes to our refinancing policy.
We understand the importance of clear communication and are working diligently to improve this aspect of our service.
Although we cannot guarantee automatic renewals through our Refinance process anymore, we would be happy to assist with your specific situation.
Please contact us directly at [email protected] so that we can review your case more closely and hopefully offer further assistance and detailed information regarding your refinancing eligibility.
Thank you for your patience and for being a valued customer.
The OneBlinc Team
Hello Ricardo,
Thank you so much for your 5-star review! We're thrilled to hear that you found our service quick and easy. If you ever need anything else, don't hesitate to reach out.
Also, we'd like to invite you to follow us on our social media platforms to stay updated and learn more about us. Choose your favorite platform or follow us on all of them!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
LinkedIn: www.linkedin.com/company/oneblinc1
We are always here for you whenever you need assistance!
Best Regards,
The OneBlinc Team
Absolutely love Sheila that assisted me throughout the process. She was very welcoming and anytime she said she would contact me as we were awaiting answers for things she couldn't handle...she kept her word. Great experience overall!
Reply from OneBlinc2024-05-31
Hey Phattz,
Thank you for your kind remarks! Sheila is definitely a keeper!
Also, we'd like to invite you to follow us on our social media platforms to stay updated and learn more about us. (You will even find a post about our superstar over there!)
Choose your favorite platform or follow us on all of them!
Instagram: @Oneblinc_usa (NEW)
Facebook: facebook.com/oneblinc
Twitter: @OneBlinc or twitter.com/OneBlinc
LinkedIn: www.linkedin.com/company/oneblinc1
We are always here for you whenever you need assistance!
Best Regards,
The OneBlinc Team
I have been calling and calling with no response . I’ve been a member for several years . I’ve never missed a payment in this time . I have made over 25 on time payments to my installment. I am in a very serious emergency and I can’t refinance or speak to anyone at this time . They say the most important thing is to have on time payments and I have done so . So I am not understanding the process . I would love to speak to someone to help me in my serious time of need but I have been calling and emailing for weeks with no response or help
Reply from OneBlinc2024-05-31
Hi Tyleena,
We regret the inconvenience and frustration you've faced. Your loyalty and payment history are valuable to us. We apologize for the challenges you've encountered in reaching us. This falls short of our service standards.
While our refinance process has changed and no longer auto-renews, please email us at [email protected] with your details. Although we can't guarantee the outcome, we'll prioritize your case to assist you promptly.
Thank you for highlighting this, and we value your patience.
OneBlinc Team
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